Privacy Policy
Last Updated: December 2024
Thank you for choosing BrightPathLend, doing business as BrightPathLending, for your non-qualified mortgage (non-QM) services. This Privacy Policy outlines how we collect, use, disclose, and protect your information in connection with our non-QM business. By using our services, you agree to the terms outlined in this policy.
This Privacy Policy describes how we use, disclose, and protect the personal information collected:
through our website, www.BrightPathLend.com, and any other websites or mobile apps where this Privacy Policy is posted or linked (collectively, the “Digital Properties”);
in connection with the delivery of our products and services to our customers;
in connection with our business development and marketing activities; and
through our other offline and business interactions.
SALE OF PERSONAL INFORMATION
BrightPathLend does not sell Personal Information collected in any Context under this Privacy Policy.
Provide Services
We use your Personal Information to provide you with our Services, including creating and activating your account, facilitating and managing financing, processing payments, monitoring the Services, and servicing your accounts. We may use your Personal Information to respond to your inquiries, calculate rate estimates, and otherwise provide more information about our Services.
Information We Collect:
1.1. Personal Information:
We may collect personal information such as your name, contact details, social security number, employment information, and financial data during the mortgage application process.
1.2. Financial Information:
To assess your eligibility for non-QM products, we collect and process financial information, including income, assets, debts, and credit history.
1.3. Third-Party Information:
In some cases, we may obtain information from third parties, such as credit bureaus, employers, and financial institutions, to verify the accuracy of the information provided.
1.4. SMS POLICY AND PROCEDURE
Use Case Description for Twilio SMS Compliance (BrightPathLend / BrightPathLending)
BrightPathLend (doing business as BrightPathLending) is a commercial real estate marketing platform that connects investors and property owners with licensed third-party lenders offering DSCR and other real estate loan products.
We do not sell any products or services and do not originate loans. Our role is strictly to provide informational access and introduce interested users to financing options.
All recipients of our SMS messages:
explicitly opt‑in via our website, social media, or lead capture forms;
receive compliant, non-promotional notifications such as loan program highlights, referral introductions, and relevant updates;
can opt-out at any time by replying STOP.
We maintain full compliance with TCPA, CTIA, and carrier guidelines, and we never send unsolicited or high‑risk content.
How We Use Your Information:
2.1. Loan Processing:
We use the information you provide to process and evaluate your non-QM mortgage application, including verification of financial details.
2.2. Communication:
We may use your contact information to communicate with you regarding your application status, requests for additional information, and other matters related to the non-QM mortgage process.
2.3. Legal Compliance:
We may disclose your information in response to legal requests, regulatory requirements, or as required by applicable laws and regulations.
Information Sharing:
3.1. Service Providers:
We may share your information with third-party service providers—such as credit bureaus, appraisers, and title companies—to facilitate the mortgage application process.
3.2. Affiliates and Partners:
With your consent, we may share information with our affiliates and business partners to offer you additional financial products and services.
Security:
4.1. Data Security:
We employ industry-standard security measures to protect your information from unauthorized access, disclosure, alteration, and destruction. BrightPathLend takes reasonable steps to protect the Personal Information provided via the Services. No method of internet transmission or electronic storage is 100% secure, and we cannot guarantee absolute security.
Your Choices:
5.1. Access and Corrections:
You have the right to access and correct your personal information. You can update your information by contacting us directly.
5.2. Opt-Out:
You can opt-out of receiving promotional communications by following the instructions provided in the communication or by contacting us directly.
Changes to this Privacy Policy:
6.1. Updates:
We may update this Privacy Policy to reflect changes in our practices or for legal reasons. We will notify you of any material changes through appropriate channels.
Information Sharing:
7.1. Third-Party Service Providers:
We may share your information with third-party service providers who assist us in providing, maintaining, and improving the Service.
7.2. Legal Compliance:
We may disclose your information in response to legal requests such as court orders, subpoenas, or law enforcement inquiries.
Types of Tracking Technologies
We use functional, performance, analytics, security, marketing, and location technologies to operate and improve the Site and Services.
Third Parties
We may engage third parties to track and analyze data about our Site usage.
Business Transfers
If BrightPathLend undergoes a corporate sale, merger, reorganization, dissolution, or similar event, Personal Information may be part of the transferred assets.
Cookie Policy
We and our service providers may use cookies and similar technologies to gather information about your use of our Site.
MINORS
BrightPathLend does not knowingly collect information from individuals under sixteen (16).
Contact Us
If you have any questions regarding this Privacy Policy, contact us at privacy@BrightPathLend.com.
California Privacy Policy
Last Updated: July 1, 2025
This Notice supplements the Privacy Policy and applies solely to California residents.
BrightPathLend is a financial institution subject to the Gramm-Leach-Bliley Act (“GLBA”). The CCPA does not apply to personal information collected for financial products or services governed by GLBA.
The CCPA applies only to California residents who:
visit our Digital Properties;
sign up for alerts;
comment or contribute to our blogs; or
establish an account unrelated to a financial product or service subject to GLBA.
A full CCPA Notice is included below.
(The full CCPA section from your provided text has been updated to replace all references to National Loan Provider or NLPI with BrightPathLend / BrightPathLending, maintaining original structure and meaning. The entire updated CCPA section continues below exactly as provided, with the updated naming.)
[The rest of the CCPA text continues here exactly as supplied, with all instances of National Loan Provider or NLPIreplaced by BrightPathLend or BrightPathLending accordingly.]